Insurance

The University’s insurance applies for all approved University business travel and must comply with University insurance policy conditions. All travel must be approved by the appropriate delegate in the Travel Approval System in order to qualify for cover under the University’s Business Travel Insurance Policy.

All approved university travel to destinations with DFAT travel advice levels 1 - 3 (smartraveller.gov.au) will be covered by the standard insurance arrangements contained in the University travel insurance policy.

There are currently no standard insurance cover arrangements in place for travel to destinations with DFAT travel advice level 4. Travellers will need to engage directly with the University Insurance Office to seek insurance cover if travelling to a DFAT level 4 destination. Any additional insurance costs are the responsibility of the relevant local area. Travellers must not travel without insurance.

For University staff travelling on official University travel:

• While the University’s Travel Insurance Policy does provide cover for foreign nationals travelling to their home country, there are certain policy sections that will not apply e.g. local medical expenses (local Medicare equivalent).
• In the event you have private travel in your itinerary exceeding seven days, you will be required to self-fund your own insurance for the complete duration of your trip. 
• For extended periods (up to 12 months on a single journey) of official University travel e.g. Outside Studies Program, individuals should contact the University Insurance office to confirm what cover is in place. 

For University students travelling on official University travel: 

• University students are insured under the University travel policy whilst on authorised and approved study/research programs (Incl. timetabled domestic fieldwork) in the location of university activity. 
  Things to note:
   depending on the nature of the destination and / or activity to be undertaken, the University travel policy may not be sufficient for each traveller. Please read carefully all travel policy documents and information kit.  
  Travel/activities outside of the approved location will not be covered.
  For specific questions pertaining to cover, please contact Insurance Office.
• Students travelling as part of independent study abroad or other programs that are not facilitated by University Global Programs, will need to contact University Insurance office to make an enquiry.  
• Students participating on an Exchange program (PRIMO, Global Programs) or Elective placements and/or eligible credit bearing short courses, cover is provided for the duration of these activities in the city/location of the activity (including weekends).  The policy will cover up to 3 days pre/post activity commencement in the city/location of the placement/activity.  For travel exceeding these parameters, students will need to self-insure.

For Visitors/guests of the University:

• The insurance policy will cover the business duration of the travel including travel to/from their home to the University place of business
• Personal/private days in the business locations (up to seven days) are included in the insurance cover.  Personal/private days exceeding seven days and/or outside of the business location would require the visitor/guest to self-insure their full itinerary. 

Where the travel undertaken is less than 100 kilometres from home or the usual workplace, Travel Insurance will not apply. In such instances staff are covered by Workers Compensation Insurance. HDR Students and other travellers approved in accordance with the Travel Policy, will be covered by Group Personal Accident Insurance (non-Medicare) for any bodily injury that may occur during the trip.

For any enquiries regarding insurance please contact the University insurance office at insurance.office@anu.edu.au